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Routing Number: 291880411

Careers Contact Us   1-800-341-9911

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Apply Now Resume an application.


View RCU's low service fees.



Balance your checkbook with this quickly and easily with these tools:

Balance Calculator
Reconciliation Form



$17 with Direct Deposit*
$20 without Direct Deposit*

Reorder Checks

* This price only applies to standard RCU blue checks. Other designs may incur additional charges. If you have not ordered checks in the last two years or changed your name or address, please contact Member Service to place your order. This online service is to reorder your RCU checks only. You can not order accessories.



Make your wallet mobile with Apple Pay™. Learn more.


RCU Free Checking

We are excited to introduce our new line of checking accounts: Smart Checking, Smart Checking PLUS, and Smart Start Checking.

The way you choose to make purchases, pay bills, and manage your money is unique to you. Smart Checking, Smart Checking PLUS, or Smart Start Checking will give you the tools and flexibility to meet your unique needs.

Smart Checking offers:

  • No minimum balance
  • No monthly charge
  • FREE RCU Check Card
  • FREE online banking and Bill Pay
  • FREE Debit transactions
  • FREE ATM withdrawals*
  • FREE Royal Mobile Banking and CompuTeller access
  • FREE Check Printing at account opening and discounted check printing with Direct Deposit
  • Unlimited check writing

* Non-RCU ATMs may impose a surcharge.

Smart Start Checking offers:

  • Everything Smart Checking offers
  • Exclusively for the 25 and under crowd
  • Oops NSF Forgiveness*
  • Monthly drawings

* If you make a balancing mistake, you may call RCU
and ask for a refund on two NSF fees per year.




Dividend Rate: 0.23%
APY: 0.23%


Smart Checking PLUS offers:

  • Everything Smart Checking offers
  • Earned dividends with minimum balance of $700*

* $10 monthly charge if balance falls below $700 anytime during the month


money market RATES

$0.01 - $9,999.99
Dividend Rate: 0.53%
APY: 0.53%

$10,000 - $24,999.99
Dividend Rate: 0.58%
APY: 0.58%

$25,000 - $99,999.99
Dividend Rate: 0.68%
APY: 0.68%

$100,000 or More
Dividend Rate: 0.73%
APY: 0.73%

APY=Annual Percentage Yield
Rates current as of 2016-02-13
Last changed on 2015-12-18
The above rates are subject to change at any time without notice. Rate may change after opening account. Fees could reduce earnings on account.



Money Market Account

Maintain a higher account balance, earn more interest, and still have access to your money. Money market account funds are federally insured by NCUA.

  • Earn dividends daily on the tiered balances of:
       $.01 - $9,999.99
       $10,000 - $24,999.99
       $25,000 - $99,999.99
       $100,000 and over
  • $10,000 minimum initial deposit
  • Make minimum withdrawals of $250 or more
  • Make minimum deposits of $100 or more
  • FREE personal checks
  • No minimum investment period
  • Unlimited signed transactions at any RCU office
  • Six unsigned transfers per month with online banking, business online banking, CompuTeller, Member Service, check, or preauthorized payment to a third party
  • Some transactions may be limited.
    Learn more about Federal Regulation D.

Apply for an RCU checking account.

View business checking accounts.
Get overdraft protection.
Opt-in to check card coverage.
Get a check or ATM card.
Learn about our EMV/chip cards.

You must be a Member of RCU to complete this application. Join RCU.
See the Special Service Charges Disclosure for a complete list of charges.

Apple Pay is a trademark of Apple Inc.


Business Services

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Overdraft Protection
Check Card Coverage
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VITA Tax Service

Volunteer Program


Opt-in to
Check Card

Learn more



Get Overdraft

Learn more




For More Information

Call 1-800-341-9911

Email Member Services

Account Disclosures

View disclosures (including Truth in Savings Disclosure).

View special service fees.